LICHE has developed a payment system (LICHE BNPL) that innovates Korea's highly advanced rental system, enabling long-term installment payments for a wide range of high-value products and services. To validate this market, LICHE also operates LOMAD — the first high-end BNPL commerce platform integrated with LICHE BNPL. LICHE BNPL provides an optimized UX for diverse customer segments including online commerce, offline stores, manufacturers and suppliers without online infrastructure, and franchise store owners. In addition, a risk management engine (LICHE CREDIT SCORING SYSTEM) — built on accumulated data to filter out high-risk customers — ensures the stability of long-term installment payments.